Yeah, it's a bit of a learning curve. I'm also having a difficult time finding my friends unless I have their actual user handle that kind of sucks I liked the idea of at least being able to upload my address book and finding people that way. I hope with their increased popularity they add features

I'm pretty sure he can cover the loss (financially) lots of wealthy people don't bother with insurance because they're able to buy their homes outright and they're not required to have it for mortgages. Sad for the loss of personal effects though.